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    • Hello, welcome to CAG. I imagine the letter that the security guards talked about will be a letter from a company or lawyers who specialise in trying to extract money from shoplifters. I think Sainsbury's use DWF solicitors, otherwise it could be a company like RLP. It won't be a 'fine', only the police can do that. Look at this as a parallel 'justice' system that doesn't involve the plice. If you read around the forum for other cases of shoplifting, you'll get the idea of how this all works. If you think your behaviour has become compulsive, we suggest having a chat with your GP who should get you help for this. Best, HB
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    • Hi all…. i was wondering if someone could help me. I am ashamed I have been caught shoplifting from Sainsbury’s by two undercover security guards who I suspect have been following me for a week now… I have been impulsively shoplifting due to what I think could have become an addiction of some kind. I am ashamed of what I had been doing and I do believe being caught has been for the greater good. i was taken to a room and asked to empty my bag, the guards were slightly rude but I complied with them politely as I know they are just doing their job and I am in the wrong. They retrieved my address, name, birthdate and took a photo of me, they asked me how many times I had shoplifted and I said twice and I didn’t want to be foolish and say just once. They issued me a letter of ban from the store and if I was caught in the store again the police would be called. They told me I would be paying 2x what I had stolen today as the goods had been damage which I am guessing is stole around £65 worth roughly. I did offer to pay for the items I had stolen on the day but they declined. They did not call the police but let me leave after claiming I was a lucky person. They told me to expect a letter in the post and that I “would be smart not to ignore it”  what should I be expecting in the post from them? I am aware from reading a lot online about security costs.. people mentioned to ignore these costs however as I had damaged the labelling on the goods should I still comply and pay the fines ?  kind regards awful shoplifter
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West Bromwich PPI and building insurance


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Hi there.

 

I'm new to this site and wondered if someone a lot cleverer than myself could help out.

 

We have recently been told by West Bromwich Building Society that we could have been mis-sold PPI .

 

I have looked at all the paperwork and we had PPI with them for 2 years between 2000 (when we took the mortgage out) and 2002.

 

I see for the firstyear they paid it for us and the second year we carried it on of our own free will.

I do wonder if we'd made a claim during that year whether it would've paid out though as my husband was self-employed at the time.

 

I'd really like a copy of the terms and conditions

when I rang the mortgage company the lady didn't answer my question and said all I needed to do was make a complaint and they would look into it for me.

 

I don't know as I'm really happy with that though as they could make up any story about the terms and conditions at the time and I'd be none the wiser.

Am I being cynical here or not?

Is there any way I can get a copy of them?

 

The other thing I stumbled across when looking through the paperwork was that we had building insurance with them for the first seven years of our mortgage.

 

On the conditions of offer letter it states we had to have the policy with them for 5 years and then when we changed to another fixed-rate mortgage in 2005, we had to have it again for a further two.

Should they have made it compulsory to take out with them?

 

When I spoke with the lady she said with regards to paying the insurance for the first 5 years we would have to take the issue up with the broker who recommended the mortgage to us and for the other two years it had been our own free will to choose that fixed-rate package with those conditions attached.

 

Does anyone know if that seems right or not?

 

Many thanks in advance.

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Andy

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stop using the phone!

 

send them an sar.

 

if you didn't have buildings insurance already then I cant see you winning there...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hopefully

they must know as they've written

but don't het hung up on that reason alone.

 

and use the fos questionnaire too not any they send you

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to the appropriate forum...please continue to post here to your thread.

 

Regards

 

Andy

 

Hi there. Where do I find the thread now Andy? Sorry but I'm new to all this.

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